Lommen Abdo’s insurance lawyers not only apply insurance law; they have helped create the law in both Minnesota and Wisconsin. Dozens of reported insurance decisions, both for corporate and individual clients, reflect Lommen Abdo’s influence on the insurance field during the past eight decades. Lommen Abdo’s detailed contractual analysis and skillful negotiations can often bring a matter to a swift conclusion. If not, our attorneys are highly skilled at declaratory judgment actions, dispositive motions, alternative dispute resolutions and trial.

Insurance policies sold to corporate policyholders protect against a wide variety of risks, including liability or loss resulting from property damage, bodily injury, business-auto policies, defective products, data breaches and other internet-related claims, mass torts, business interruption, man-made and natural disasters, business torts, environmental damage, employment claims, professional liability, and crime/fraud. The major types of insurance policies purchased by corporate policyholders include general liability policies, directors and officers liability policies, fiduciary liability policies, employment practices liability policies, errors and omissions and professional liability policies, first-party property and business interruption policies, cyber liability, title insurance, marine insurance, crime/fraud policies, environmental impairment policies, and a wide variety of specialty products, such as cargo policies. Insurance programs sold to and purchased by corporate policyholders can include several layers of insurance, with a primary insurance policy that sits above a deductible (or self-insured retention) and, at times, multiple layers of excess policies sitting above the primary policy. Large claims can often implicate coverage under dozens of policies sometimes spanning years or decades.

In contrast, individual policyholders typically purchase homeowners or renters insurance, auto insurance, life insurance, health insurance, disability and/or long-term care insurance, and sometimes specialty insurance, such as coverage for jewelry or works of art, travel insurance, etc.

Insurance companies and policyholders dealing with significant losses call on Lommen Abdo for advice and assistance in pursuing coverage or responding to claims for coverage. In the event of a dispute over coverage for a particular claim, the parties may end up in litigation, arbitration, or mediation to resolve their differences. If the parties proceed to litigation, the case may proceed in either federal or state court, even though substantive insurance law issues are decided as a matter of state law. Some insurance policies require the parties to resolve coverage disputes through arbitration. Claims beyond the policy may arise with an excess verdict or a bad faith claim.

The firm’s coverage lawyers possess a breadth of knowledge and skill in the major property and casualty insurance lines, as well as in many specialty coverage areas.

Areas of expertise:

  • Commercial general liability
  • First-party property losses
  • Construction defect
  • Business auto
  • Cargo/transportation losses
  • Medical device/products liability
  • Excess/umbrella policies
  • Directors & officers liability
  • Business interruption
  • Environmental liability
  • Intellectual property
  • Employment practices liability
  • Crime/fidelity losses
  • Defamation/invasion of privacy
  • Title insurance
  • Workers’ compensation
  • Miller-Shugart agreements
  • Bad faith
  • Reinsurance